HBD savings now offer 20% APR but above you mention:

"Well, the Hive community is likely to dump lots of HBD into the pHBD-USDC vault and want to earn more than 20% APY on it.".

Was that just a typo or is there a difference in the way it will be calculated?
I'm not trying to be a smart arse just trying to make sure I am not missing something! :P

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